An owner of a whole life insurance policy wishes to use the nonforfeiture provision to convert the policy's cash value into a paid-up permanent policy requiring no further premium payments by the policy owner. Generally, which is a common choice the owner has? Convert to a term policy with the same death benefit and the same maturity as the original policy Convert to a term policy with a reduced death benefit and a maturity for as long as the policy cash value allows. Convert to a whole life policy with a reduced death benefit. Convert to a whole life policy with the same death benefit as the original policy, but a maturity for as long as the policy cash value allows. Convert to a modified endowment policy